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Zopa: Current account reviews

Name: Current account
Rating: 4.93 (6589 reviews)

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4.93

Based on 6,589 reviews, last reviewed 30th Apr 2026

63% decrease in 5 star reviews

in the past 90 days

64% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Great interest rate offers. Nice simple to use app and great interest rate offers. Reviewed on: 27th April 2026

Latest lowest rating:

1

No MSE £15 credit as promised I applied for a current (Biscuit) account using a MSE link in March 2026 promising a credit of £15. I used the right link but no£15 has arrived and Zo... Read more Reviewed on: 30th April 2026

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About this product

Biscuit is a free-to-open current account from Zopa.

You can open a Zopa Biscuit account in the app and it only takes a few minutes. Opening a Biscuit current account gives you access to intuitive budgeting tools, real-time spending notifications and no hidden fees.

Zopa Biscuit current account reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

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Zopa Current account reviews (6589)

A fresh approach to current accounts

It was easy to open a current account with Zopa and the app is very responsive. Reviewed on: 15th January 2026

Zopa Bank has completely rewritten the rulebook on w...

Zopa Bank has completely rewritten the rulebook on what a modern bank should be, and my experience has been nothing short of phenomenal. From day one, it was clear this wasn't just another financial institution; it was a financial partner that actually gave a damn. Let's start with the application process for my current account. I was braced for the usual ordeal: endless forms, a week of anxious waiting, and a grilling for a simple bank account. Instead, I downloaded the app, and in what felt like the time it takes to make a cup of tea, I was approved. No drama, no fuss. The interface was so clean and intuitive, it felt like it was designed by a human, for a human, not by a committee of robots. The real magic happened when I decided to apply for a personal loan to consolidate some old, high-interest debt. With my previous high-street bank, this process was a shameful slog of paperwork and feeling like I was asking for a massive favour. With Zopa, it was a conversation. Their eligibility checker was transparent and didn't leave a hard footprint on my credit file, which was a huge relief. When I proceeded with the full application, the rate they offered me was not just good; it was aggressively competitive, saving me a significant amount in interest compared to the others I'd checked. But here's where Zopa went from "great" to "stonkingly good." A week after the loan was approved, I received a personalised email. It wasn't a generic marketing blast. It acknowledged my loan and suggested that based on my spending patterns, I could potentially pay it off a full year early and save even more on interest by slightly overpaying each month. They even included a simple calculator link to show me the exact figures. This wasn't them trying to get more money from me; it was them actively helping me save money and get out of debt faster. I've never, ever known a bank to proactively help a customer pay them less interest. It blew my mind. Their customer service is on another level. I once had a query about a direct debit and used the in-app chat. I expected the usual "we'll get back to you in 24-48 hours." Instead, I was connected to a real, knowledgeable human named Sarah in under two minutes. She was friendly, efficient, and solved my problem on the spot while sharing a genuinely funny comment about the perils of forgetting a subscription renewal. It felt like chatting with a mate who was brilliant with money. The app itself is a masterclass in design. It's fast, secure, and puts everything you need right at your fingertips. Categorising spending is a breeze, setting up savings pots is satisfyingly simple, and the overall aesthetic is just calm and uncluttered. It’s the only banking app I’ve ever used that doesn’t make me feel stressed. In a sea of faceless, bureaucratic, and often exploitative financial giants, Zopa Bank is a beacon of common sense, decency, and innovation. They've combined the tech-savvy efficiency of a fintech with the customer-first ethos of a local building society from a bygone era. They don't just provide a service; they build trust. They have earned a customer for life, and I recommend them to anyone who will listen. Absolutely stonking. Reviewed on: 15th January 2026

Very easy to transfer and make money

Very easy to transfer and make money Reviewed on: 15th January 2026

Easy and hassle free apps.

Easy and hassle free apps. Good offer for savings Reviewed on: 15th January 2026

Loving the great interest rate.

I like the interest rate on the regular savings account. The app is really easy to use. Reviewed on: 15th January 2026

Very convenient and good savings rate

Very convenient and good savings rate Reviewed on: 15th January 2026

I was able to get my first credit card through Zopa...

I was able to get my first credit card through Zopa and it has helped improve my credit scores.. The app is is helpful and you can set a cushion to mana your spending I also like the notification that alerts you when you are near you spending limit Reviewed on: 15th January 2026

Great interest rate and good customer service

Great rate and good customer service Reviewed on: 15th January 2026

amazing interest rates and user friendly app, card s...

amazing interest rates and user friendly app, card super fast delivery. Reviewed on: 15th January 2026

Brilliant bank account very helpful

Easy to open the app is brilliant for keeping you updated with everything on your spending and so easy to see if you have paid things like bills and cards Reviewed on: 15th January 2026

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